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Non-Performing Loan and Management Guidelines for Remedies: An Empirical View of Bank Employees

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dc.contributor.author Afroze, Nahid
dc.contributor.author Uddin, Gazi Munir
dc.date.accessioned 2019-04-23T14:09:15Z
dc.date.available 2019-04-23T14:09:15Z
dc.date.issued 2008-07
dc.identifier.citation C en_US
dc.identifier.issn 1998-7889
dc.identifier.uri http://hdl.handle.net/123456789/98
dc.description.abstract Non Performing Loan (NPL) is the most important indicator to identify problems with asset quality in the loan portfolio. In Bangladesh, the empirical view about the ratio of NPL to total loans of all the scheduled banks have been in sliding trend, although the aggregate ratio is still soaring higher than the desired perimeter. The very high NPL ratio, as ascertained from Nationalized Commercial Banks (NCBs) and Development Financial Institutions (DFls), especially for term lending, agricultural and micro lending, necessitates re-examining these activities and establishing a viable rationale for their continuation. From the views of Bank employees, it is clear that steps taken to prevent loan classification and provisioning requirements are not sufficient; and due to lack of persuasion, the rate of willful defaulters is high. Efficient usage of the CIB report, implementation of appropriate legal frameworks and improvement of corporate governance of banking operations have been denoted as management guidelines for enhancing banking sector reform while retaining NPLs within recommendation en_US
dc.language.iso en en_US
dc.publisher Eastern University en_US
dc.subject Non-performing loan en_US
dc.subject Banking operation en_US
dc.subject Loan defaulter en_US
dc.subject Aggregate ratio en_US
dc.subject Trend en_US
dc.title Non-Performing Loan and Management Guidelines for Remedies: An Empirical View of Bank Employees en_US
dc.title.alternative Volume-1, Issue-1 en_US
dc.type Article en_US

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